Kessler Insurance

Ask us how you can lower your deductible with a Personal Auto Pak or Auto Insurance Extension on your SGI plate insurance.

When spring comes, your insurance needs may change. We understand that every agricultural venture is different and that your farm business has specific needs. We can help you customize your agricultural insurance policy to cover all of your bases, within your budget.

Is my deck covered? If it’s attached to your dwelling, then yes! If not attached to your dwelling, you’ll want to carefully review the fine print of your home insurance policy to determine whether you’d need extra coverage to cover your deck or patio. Give us a call and we can help!

Farming is such an integral part of Saskatchewan. Working alongside the Insurance Brokers Association of Saskatchewan, My Mutual is pleased to assist the industry to develop a better understanding of Saskatchewan farmers and their operations. #saskatchewan #farming

There’s no need to stress over insurance when there’s a simple solution - letting us help! The work you may find daunting is the work we love. We want to help you crunch numbers and work through your policy options. At Kessler Insurance, we look forward to connecting with you so we can find out how we can help ease those worries.

Did you know we opened our doors in 1977, on the corner of 6th Avenue and North Railway Street in Warman? As we grew, we opened our second location in Osler in 1990 and moved the Warman office to 211 Central Street West in 1998. All through that time, we kept the business in the family, making Kessler Insurance family owned and operated for 44 years!

From our team, we wish you and your loved ones a safe and joyous Easter Weekend!

In an insurance policy, replacement cost is the price that an insurance company will pay to replace lost property with something equivalent at current market value. Actual cash value is not the same as replacement cost. Replacement cost policies more adequately allow you to replace your lost items in a two-step process. (1) After you file a successful claim, you receive a claims payment for your lost item’s actual cash value, which is less than the replacement cost. (2) After providing proof that you replaced the item or property, you'll receive a second payment amount for the difference. As such, replacement cost policies usually come with a higher premium which is well worth it if you ever need to file a claim and replace lost property.

We’re celebrating the first week of spring! Are you looking forward to long, warm days ahead? Before they arrive, we’ll deal with the spring melt. Is your home protected against flooding and water damage? Check out our most recent blog about how to protect your home! Or give us a call to discuss any insurance needs that could leak in before summer arrives.

With mySGI, renewing your plates online is easy! Save yourself a trip to our office by logging in through our website to make a driver payment, renew your vehicle registration, review the details of your auto insurance policy, or file an insurance claim! You can always give us a call if you need help! https://www.mysgi.ca/?issuer=6205

Are you working or studying from home and using the internet daily? We’ve got some cybersecurity tips for you: (1) Talk to us about cyber insurance! (2) Change your passwords frequently and keep them updated in an encrypted password protection app (3) Install, upgrade, or subscribe to protection software on your computer.

Knowing the difference between actual cash value and replacement cost is essential when it comes to your insurance policy terms. Actual cash value policies usually come with lower premiums than replacement cost policies, but they don’t cover the cost of replacing lost items or propertythey reimburse you only for the depreciated value of your lost property. Suppose you want something brand new to replace what you’ve lost. In that case, you’d have to pay the difference between the depreciated value (estimated by your claims adjuster and then paid by the insurance company) and the cost of the brand new replacement item. In cases of high-value items, the difference between actual cash value and replacement cost can be significant, so it’s essential to know whether you are purchasing a replacement cost policy or an actual cash value policy.

Home Insurance Tip: While you’re busy moving through your spring cleaning checklist, start a home inventory that documents all items of value in your home, and keep receipts and other relevant records attached. In the event of a loss and insurance claim, your home inventory can help you accurately describe and prove your property’s value and increase your chances of being reimbursed appropriately. If you can provide accurate and up-to-date details about a loss and associated values, you’re less likely to be at the mercy of insurance company value estimates. Ask us how to create a strong home inventory list, or explore some of the great apps designed for this purpose!

The Directors of My Mutual Insurance Limited call a general meeting of the policyholders to be held on March 19, 2021, at 1 pm, and hosted at the head office, 3...033 Central Avenue, Waldheim, SK. A special resolution will be presented to members to amend the bylaws. All policyholders not in arrears are eligible to vote. For proxy information or to register for virtual AGM with your full name and policy number, please contact us at [email protected]. Once registration has been approved you will receive an email with instructions on how to connect to the meeting.